{"id":65835,"date":"2022-12-12T13:04:24","date_gmt":"2022-12-12T11:04:24","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=65835"},"modified":"2022-12-12T13:04:24","modified_gmt":"2022-12-12T11:04:24","slug":"de-ce-sa-rambursezi-anticipat-un-credit-ipotecar","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/de-ce-sa-rambursezi-anticipat-un-credit-ipotecar_db\/","title":{"rendered":"De ce s\u0103 rambursezi anticipat un credit ipotecar?"},"content":{"rendered":"<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/12\/Untitled-design-50-1024x576.png\" alt=\"\" class=\"wp-image-65836\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/12\/Untitled-design-50-1024x576.png 1024w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/12\/Untitled-design-50-300x169.png 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/12\/Untitled-design-50-768x432.png 768w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/12\/Untitled-design-50.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p>Contractarea unui credit ipotecar reprezint\u0103 o responsabilitate mare. Cu toate acestea, po\u021bi rambursa anticipat \u00eemprumutul pentru a reduce suma total\u0103 care trebuie achitat\u0103 pe durata de via\u021b\u0103 a creditului. Atunci c\u00e2nd pl\u0103te\u0219ti \u00een avans o anumit\u0103 sum\u0103 de bani, aceasta se va scade direct din soldul creditului, f\u0103r\u0103 a mai calcula dob\u00e2nzile sau comisioanele.&nbsp;&nbsp;<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a1164322811d\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"ez-toc-cssicon\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a1164322811d\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/de-ce-sa-rambursezi-anticipat-un-credit-ipotecar_db\/#De_ce_sa_rambursezi_anticipat_un_credit\" >De ce s\u0103 rambursezi anticipat un credit?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/de-ce-sa-rambursezi-anticipat-un-credit-ipotecar_db\/#Cum_sa_platesti_anticipat_un_credit_ipotecar\" >Cum s\u0103 pl\u0103te\u0219ti anticipat un credit ipotecar?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/de-ce-sa-rambursezi-anticipat-un-credit-ipotecar_db\/#Ce_trebuie_sa_stii_despre_rambursarea_anticipata\" >Ce trebuie s\u0103 \u0219tii despre rambursarea anticipat\u0103?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/de-ce-sa-rambursezi-anticipat-un-credit-ipotecar_db\/#Reducerea_perioadei_sau_a_ratei_lunare\" >Reducerea perioadei sau a ratei lunare?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/de-ce-sa-rambursezi-anticipat-un-credit-ipotecar_db\/#Cand_rambursezi_anticipat\" >C\u00e2nd rambursezi anticipat?<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"De_ce_sa_rambursezi_anticipat_un_credit\"><\/span>De ce s\u0103 rambursezi anticipat un credit?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Unul dintre cele mai comune motive pentru care po\u021bi rambursa anticipat creditul ipotecar este c\u0103 po\u021bi reduce costul total al acestuia. Fiecare leu pe care \u00eel pl\u0103te\u0219ti \u00een avans este un leu care nu va acumula nicio dob\u00e2nd\u0103 suplimentar\u0103, men\u021bin\u00e2nd astfel termenul general al \u00eemprumutului redus \u0219i economisind astfel bani.<\/p>\n\n\n\n<p><strong>Dac\u0103 nu ai contractat \u00eenc\u0103 un credit, \u00eens\u0103 dore\u0219ti s\u0103 simulezi un scenariu de credit standard, folose\u0219te<\/strong><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/credite-ipotecare\"><strong> <\/strong><strong>instrumentul Imobiliare.ro<\/strong><\/a><strong>.<\/strong><\/p>\n\n\n\n<p>Ramburs\u0103rile anticipate sunt deosebit de valoroase dac\u0103 dispui de economii consistente. Acest lucru se datoreaz\u0103 faptului c\u0103 rata dob\u00e2nzii ipotecare este adesea mai mare dec\u00e2t ratele pe care le po\u021bi ob\u021bine pentru conturile de economii, ceea ce \u00eenseamn\u0103 c\u0103 suma pe care o c\u00e2\u0219tigi din economii este mai mic\u0103 dec\u00e2t cea pe care o pl\u0103te\u0219ti pentru credit.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cum_sa_platesti_anticipat_un_credit_ipotecar\"><\/span>Cum s\u0103 pl\u0103te\u0219ti anticipat un credit ipotecar?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Exist\u0103 mai multe moduri prin care po\u021bi realiza aceste pl\u0103\u021bi. Creditorii \u00ee\u021bi vor permite s\u0103 rambursezi anticipat ori de c\u00e2te ori de\u021bii un exces de numerar.&nbsp;<\/p>\n\n\n\n<p>O alternativ\u0103 ar mai putea fi s\u0103 schimbi frecven\u021ba pl\u0103\u021bilor ratelor, de la lunar, la dou\u0103 s\u0103pt\u0103m\u00e2ni, rezult\u00e2nd astfel o rambursare anticipat\u0103. De\u0219i poate c\u0103 nu este o diferen\u021b\u0103 mare, fiecare sum\u0103 pl\u0103tit\u0103 \u00een plus ajut\u0103 la reducerea costului total al creditului ipotecar.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ce_trebuie_sa_stii_despre_rambursarea_anticipata\"><\/span>Ce trebuie s\u0103 \u0219tii despre rambursarea anticipat\u0103?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Po\u021bi rambursa un credit doar prin intermediul unei <strong>cereri \u00een scris adresat\u0103 b\u0103ncii<\/strong>. Apoi, banca \u00ee\u021bi va opera cererea \u0219i astfel vei beneficia de dreptul de a rambursa orice sum\u0103 de bani, av\u00e2nd la dispozi\u021bie dou\u0103 op\u021biuni: reducerea perioadei de creditare sau a ratei lunare.&nbsp;<\/p>\n\n\n\n<p>Institu\u021biile financiare nu au dreptul de a pune condi\u021bii cu privire la rambursare, precum c\u0103 po\u021bi reduce doar rata, nu \u0219i perioada sau c\u0103 trebuie s\u0103 dispui de o sum\u0103 minim\u0103 de rambursare. Aceast\u0103 prevedere este reglementat\u0103 prin legea OUG 52\/ 2016.&nbsp;<\/p>\n\n\n\n<p><strong>Pentru a ob\u021bine mai multe informa\u021bii cu privire la rambursarea anticipat\u0103, po\u021bi apela cu \u00eencredere la<\/strong><a class=\"article-body-links\"href=\"https:\/\/bit.ly\/3bmhC8d\"><strong> expertiza unui broker de credite<\/strong><\/a><strong>.&nbsp;<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Reducerea_perioadei_sau_a_ratei_lunare\"><\/span>Reducerea perioadei sau a ratei lunare?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Deoarece dob\u00e2nda se aplic\u0103 pe o perioad\u0103 mai lung\u0103 de timp, este recomandat s\u0103 rambursezi anticipat cu <strong>op\u021biunea de reducere a perioadei creditului<\/strong>. Aceast\u0103 tehnic\u0103 este mult mai eficient\u0103 dac\u0103 o po\u021bi aplica din prima lun\u0103 a credit\u0103rii. Este recomandat s\u0103 pl\u0103te\u0219ti valoarea \u00een avans \u00een ziua scaden\u021bei acesteia, \u00eempreun\u0103 cu rata lunar\u0103.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cand_rambursezi_anticipat\"><\/span>C\u00e2nd rambursezi anticipat?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Po\u021bi pl\u0103ti \u00een avans o anumit\u0103 valoare din credit atunci c\u00e2nd dispui de un venit suplimentar, ca de pild\u0103 \u00een situa\u021bia \u00een care ai primit o m\u0103rire salarial\u0103 sau \u00een cazul \u00een care ratele dob\u00e2nzilor sunt \u00een cre\u0219tere. Este important s\u0103 \u0219tii c\u0103 po\u021bi rambursa anticipat doar dac\u0103 nu exist\u0103 crean\u021be neachitate la scaden\u021b\u0103 (at\u00e2t la creditul ipotecar, c\u00e2t \u0219i la altele \u00een derulare).&nbsp;<\/p>\n\n\n\n<p><a class=\"article-body-links\"href=\"https:\/\/bit.ly\/3bmhC8d\"><strong>Solicit\u0103 o \u00eent\u00e2lnire<\/strong><\/a><strong> cu unul dintre brokerii de credite disponibili pe Imobiliare.ro pentru a colabora gratuit cu un specialist. Acesta este un serviciu gratuit, care nu prevede costuri ascunse \u0219i prin care po\u021bi ob\u021bine solu\u021bia optima de creditare potrivit\u0103 nevoilor tale.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Contractarea unui credit ipotecar reprezint\u0103 o responsabilitate mare. Cu toate acestea, po\u021bi rambursa anticipat \u00eemprumutul pentru a reduce suma total\u0103 care trebuie achitat\u0103 pe durata de via\u021b\u0103 a creditului. Atunci c\u00e2nd pl\u0103te\u0219ti \u00een avans o anumit\u0103 sum\u0103 de bani, aceasta se va scade direct din soldul creditului, f\u0103r\u0103 a mai calcula dob\u00e2nzile sau comisioanele.&nbsp;&nbsp; De [&hellip;]<\/p>\n","protected":false},"author":842160,"featured_media":65836,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263,259],"tags":[],"content_author":[],"class_list":{"0":"post-65835","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-credite","8":"category-stiri"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>De ce s\u0103 rambursezi anticipat un credit ipotecar? - Credite, \u0218tiri - ImoExpert<\/title>\n<meta name=\"description\" content=\"Contractarea unui credit ipotecar reprezint\u0103 o responsabilitate mare. 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